Explore all articles related to the Whitepaper category: projects, expertise, innovations, and key highlights from the group in Morocco and internationally.
Category: Whitepaper
HPS participated to the Datos Matrix: Merchant Acquiring Software Platforms and ranked “Best in Class”. Download the report to discover HPS Vendor Profile.
Category: Whitepaper
Cards remain the preferred payment method across Europe, but issuer expectations and market dynamics are rapidly evolving. Consumers increasingly expect instant issuance, intuitive digital controls and transparent pricing, while financial institutions face rising pressure from regulatory change, legacy infrastructure and digital-native competitors. To respond, issuers are rethinking their operating models and turning to Cards‑as‑a‑Service (CaaS) as a modern, cloud‑native alternative to traditional card issuing.
Category: Whitepaper
Mobile money has changed the face of Africa, creating new pathways to an improved standard of living across the continent.
Category: Whitepaper
This thought leadership paper by Aite-Novarica Group examines how banks cope with changes in a challenging environment and the options they have for updating their payment technology. It outlines current trends in retail payments and evaluates the need for banks to modernize their payment infrastructure by adopting the Cards-as-a-Service (CaaS) model.
Category: Whitepaper
This eBook sets out the unique opportunity provided by cloud-based payment platforms for financial institutions (FIs) and merchants around the world as the payments industry moves toward a Digital-First delivery.
Category: Whitepaper
Cash payments have traditionally dominated the Middle East region. However, there has been a steady shift towards digital payments as end customers expect this mode to be more flexible, efficient, and customer centric.
Category: Whitepaper
A financial revolution is sweeping across Southeast Asia, driven by the rapid adoption of digital wallets. This transformation, fuelled by high mobile penetration and a burgeoning digital economy, is reshaping how millions access and manage their finances. Digital wallets are no longer just for payments; they are evolving into comprehensive financial ecosystems that are central to the daily digital lives of consumers, with the number of users in the region projected to surpass 500 million by 2025. This shift presents immense opportunities for financial institutions to foster inclusion, drive innovation, and unlock new avenues for growth.
Category: Whitepaper
HPS participated to the Vendor Guide evaluation and ranked “Leading Contender”. Download the report to discover HPS Vendor Profile.
Category: Whitepaper
QKS Group conducted an in-depth analysis of major Card Management System (CMS) vendors by evaluating their products, market presence, and customer value proposition. The evaluation is based on primary research with expert interviews, analysis of use cases, and QKS Group's internal analysis of the overall CMS market.
Category: Whitepaper
The Transformation of Open Banking and Payments Through Open APIs, commissioned by HPS and produced by Aite Group, analyzes the global trend to open application programming interface (API) banking and how banks can leverage the API economy to create value for their customers and generate new business.
Category: Whitepaper
Market dynamics and infrastructure vary greatly per country and region but the direction of innovation and change are converging on the same outcome: digitisation and cashlessness.
Category: Whitepaper
QKS Group conducted an in-depth analysis of major Merchant Payment Platform (MPP) vendors by evaluating their products, market presence, and customer value proposition. The evaluation is based on primary research with expert interviews, analysis of use cases, and QKS Group’s internal analysis of the overall market.
Category: Whitepaper
How the pandemic has prompted issuers to embrace digital payments and cloud capabilities.
Category: Whitepaper
Open Banking in North America is evolving from an environment dominated by unregulated data collection towards structured, API-driven models that enable secure data sharing, regulatory alignment and new business value. As consumer expectations shift towards connected, real-time financial services, API‑first Open Banking is increasingly central to enhanced customer experiences, Banking‑as‑a‑Service models and long-term competitiveness, despite ongoing regulatory review.
Category: Whitepaper
Payment infrastructure modernization is no longer optional. As digital commerce accelerates, financial institutions face growing pressure from customer expectations, new payment methods, fraud risks, and regulatory change.
Category: Whitepaper
Asia is setting the global standard for digital payments. With mobile-native consumers, real-time payment networks and modern cloud architecture, the region has rapidly shifted to digital-first financial services. Financial institutions are now redesigning their payment infrastructure to meet rising expectations, improve efficiency and stay competitive.
Category: Whitepaper
Asia-Pacific’s (APAC) payments industry has outpaced all the other regions over the past decade. This region is also one of the largest contributors to global payments revenue, generating approximately $630 billion in 2020.
Category: Whitepaper
This whitepaper is written to help Financial Institutions understand and prioritize cloud-based payments initiatives. Datos Insights' research highlights how to overcome the challenges that transitioning to the cloud may cause. It also examines how vendor partners can help ease the process.
Category: Whitepaper
Beyond generative AI, organisations are now witnessing the emergence of agentic AI — systems capable of reasoning, deciding and acting autonomously to achieve business goals.
Category: Whitepaper
This report outlines key trends that will impact the “bank of tomorrow” and recommends how financial institutions should adapt.